Friends have to play, and performance has to be done.

Longcheng people call falling in love friends. In other places, married couples are also called male and female partners. It's just a local custom.

Friends can't play for a while, but the performance has to be done every month.

When it comes to performance, the members of Yu Yuanming's team encountered a problem.

That day, Dong Huijun, a member of the team, came to Yu Yuanming with a sad face, saying that the company punched in Zhang and deliberately made it difficult for her.

Dong Huijun and Yu Yuanming are junior high school classmates and got married early, but now Yu Yuanming has no girlfriend, but she has divorced with her children.

To say that her ex-husband is also good, with a good image and a good temper, he is too honest and only knows how to do things at home. The mouth is not sweet, the communication is not wide, and there are not many hobbies. This kind of economical and practical man is considered by many to be the best type of husband. But in Dong Huijun's opinion, she is very unhappy, cowardly, cautious, and unmanly. How to look at it is not pleasing to the eye. After a long period of filth, after several entanglements, I divorced and broke away.

Because Dong Huijun herself has a cheerful personality and knows many people, Yu Yuanming simply introduced her to do insurance. Poor in terms of learning ability, three minutes of enthusiasm, but not bad. It's the first time she's seen her today. There was a customer who was insured, and it was finally explained, but the company did not insure. What's going on?

The customer is a young girl in Peach Blossom Town, one grade younger than Yu Yuanming, and she is considered an alumnus. This girl matures early, and she is plump, although her face is round, her skin is good, and her facial features are still vivid. It has attracted a lot of young men to think about it, and there are too many ambiguous emotional experiences. Now it is a man who loves her deeply and wants to buy her an insurance. Although the two have been living together for a long time, they did not go to get the certificate.

Dong Huijun has a good relationship with her, and is a good friend; after several exchanges, she has done ideological work and is willing to buy an insurance. The boyfriend was very spoiled and took the initiative to be willing to pay, so Dong Huijun filled in the boyfriend as the policyholder and beneficiary, and the relationship as a friend. The policy was handed over to the company and was called back by the back-office. It is said that the insurance relationship is wrong, and the relationship between friends cannot be the relationship between the policyholder and the insured.

Dong Huijun felt so troublesome, we signed an insurance policy when our mouths were worn out outside, and the company's internal staff sat in the office and called back, so annoying!

Why not?

People have money, they want to buy it for her!

Although they are not married yet, the other two live together, and they will get married at the end of the year. Why can't I buy her insurance?

After asking about the situation, Yu Yuanming explained: According to the provisions of the Insurance Law, friends who are not relatives and have a blood relationship with the insurance relationship cannot be the policyholder and beneficiary. This is a mechanism of moral control. Legally speaking, it is called avoiding adverse selection.

What is adverse selection?

It is some unreasonable choices that customers may make because of their own interests, such as buying insurance when they get sick. For example, if you have an accident, buy insurance. For example, buy insurance for homeless people you don't know, and be the beneficiary yourself. For example, buy high accident insurance for small children. These behaviors are a possible moral hazard in human nature, and insurance companies must adopt some regulations to avoid them, on the one hand, to avoid their own losses. On the other hand, it will also make illegal and criminal things happen less.

Therefore, if you are not married, you have no legal relationship. If you have lived together for several years and still have not become a legal husband and wife, you cannot become a compliant policyholder and beneficiary.

This problem is well solved.

You go and tell the client that now the boyfriend gives the money, and the policyholder and the insured write the woman's name. The beneficiary does not write first, but writes the law.

After you get married, you can change it again.

Dong Huijun was a little angry, and asked again: What does the law mean?

Yu Yuanming continued to counsel: Generally speaking, beneficiaries are divided into two types: survival beneficiaries and deceased beneficiaries. The surviving beneficiary is the person who receives the money while the customer is alive. A death beneficiary is the person who receives the money after the death of the client. Therefore, the surviving beneficiaries are generally the clients themselves. The beneficiary of the death must also be a relative of the insured. It can be one, or it can be multiple. If there are more than one, the proportion of the benefit distribution should also be indicated.

Then sometimes, for convenience. For example, the beneficiary's identity information is not there, and you are in a hurry to sign and hand it in. Then fill in the "statutory" field in the beneficiary field.

Dong Huijun nodded: I know.

Yu Yuanming continued: But.......

Dong Huijun said: But what?

Yu Yuanming said: But you have to know the difference between the statutory result and the designated beneficiary.

Dong Huijun asked: What's the difference?

Yu Yuanming said: The so-called statutory refers to the determination of the inheritance order and proportion according to the "Inheritance Law". So here we face the question, what if the customer has debt?

If it is legal, there is no problem for the heir to inherit the estate according to the law, but he must repay the debts of the deceased during his lifetime. In other words, the customer's death beneficiary may not receive or receive the full insurance benefit of the death.

The designation of beneficiaries is different. As long as the beneficiary is named and confirmed by the policy, the insurance company recognizes. Regardless of whether the customer was in debt or not, the money can be enjoyed and no one can take it. This is also required by law.

Dong Huijun asked: Which law?

Yu Yuanming said: "Insurance Law of the People's Republic of China".

Dong Huijun said adoringly: Wow, you know so much!

Yu Yuanming smiled: At least I haven't been in the insurance company for a year!

Dong Huijun said: That's for sure. I want to learn more from you!

Yu Yuanming: You're welcome. You take the policy, explain it to the customer, and fill it out again. And you have to say: this Wanjia Insurance is so professional and responsible. You can't get money that doesn't meet the standards! So, those who say that the insurance company is a scammer are simply not worth refuting! Is there a scammer like us?

Dong Huijun happily replied: That's true! Don't pay money to come in, the insurance company is a cow!

In fact, when it comes to underwriting and claims, they are the controllers of the import and export of life insurance companies. Many times the society knows that insurance companies need procedures and audits whether they pay or not. What they don't know is that the policy will also be reviewed when it comes in, and it also needs a procedure.

Underwriting is based on whether the customer meets the conditions for insurance, including physical condition and income. In general, in the early stage, it was passed by the salesman, and the internal staff went through it again, and finally handed over to the underwriter. Basically, there will be no problem, and if there is a problem, it will be called back. What underwriting really needs to deal with are revenue anomalies, data anomalies and relationship anomalies. For example, if you pay an annual premium of 20,000 yuan and your annual income is only 50,000 yuan, then you can't do it. Because according to the regulations of the insurance company, the customer's annual contribution should be 15%-20% of his annual income.

Large policies, with an annual premium of 100,000 and an annual premium of 200,000, will definitely require a survival investigation. The so-called survival survey is a face-to-face interview and information collection conducted by the insurance company based on some concerns about the customer's insurance. Including lifestyle habits, willingness to insure, sources of income, etc. The purpose is to ensure that the funds insured by the customer are legitimate, have the ability to continue to pay, the willingness to insure is normal, and the company's risk is within a reasonable range.

There is also a case, which is the insurance relationship. According to the provisions of the Insurance Law, the policyholder, the insured, and the beneficiary all need to have an insurance relationship. That is, it is necessary to have kinship, blood relationship. For example, father and son, father and daughter, mother and son, mother and daughter, husband and wife, etc. Beyond this natural insurance relationship, it needs to be adjusted. For example, nephews and nieces buy insurance for uncles and uncles.